A loan of $2,400 helped a member to pay for the renovation of her sewing area.

Avara's Group's story

Avara is a 37-year-old, Iraqi woman. She is married and has two children. With limited career options due to cultural restrictions and domestic constraints, Avara is one of the many Iraqi women who is working from home. She uses her sewing skills to generate some income and participate in meeting the financial needs of her family.

Avara has five years' experience with the small, home-based sewing business. She enjoys providing her customers with nice and good-quality results, but she would like to improve her own working conditions. She would like to renew her work area, and to be able to pay for the renovation work, she is taking a loan from Relief International - Microfinance Iraq.

Relief International - Microfinance Iraq offers "group loans" for clients who are unable to provide a guarantor, which makes them ineligible to apply for a loan as an individual. As a group, the members collectively guarantee the loan. Groups consist of 3 to 5 clients and each client is evaluated on his or her repayment capacity. All group members receive the same loan amount, which is limited to the amount that can be repaid by the individual with the lowest repayment capacity in the group.

Based on the political and social challenges of lending in Iraq, personally identifiable information about these borrowers has been altered for their protection. RI-Iraq appreciates Kiva lenders' consideration of these challenges and encourages lenders to continue their support for Iraqi borrowers.

In this group: Avara , Najiba , Galavesh

Loan details

Lenders and lending teams

Loan details